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Bharat Microfinance Report

Fostering Inclusive Impact Finance

Chapter 2 - Section 2.4

Delinquency (in %)

States like Karnataka and Bihar reported delinquency levels below the industry average, while several others, including Manipur and Punjab, exceeded the average PAR of 9.6%. The higher delinquency rates in Telangana and Andhra Pradesh are attributed to older loans still marked as outstanding, reflecting ongoing issues from past crises like the COVID-19 pandemic and demonetization.

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India Country

States/UTs wise overall delinquency (in %) under different buckets (in descending order of Loan Outstanding)

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Industry

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Loan Outstanding (₹ in Cr.)

States/UTs wise overall delinquency (in %) under different buckets (in descending order of Loan Outstanding)

Delinquency (%)

Loan Outstanding (in Cr.)

States/UTs wise overall delinquency (in %) under different buckets (in descending order of Loan Outstanding)
S. No.State/UTLoan Outstanding (₹ in Cr.)PAR 31-60 (in %)PAR 61-90 (in %)PAR 91-180 (in %)PAR 180+ (in %)
1Bihar654870.3 %0.4 %0.5 %3.6 %
2Tamil Nadu582390.6 %0.7 %0.9 %6.9 %
3Uttar Pradesh463040.6 %0.7 %0.9 %4.5 %
4Karnataka425600.2 %0.2 %0.4 %4.9 %
5West Bengal403280.3 %0.4 %0.6 %14.7 %
6Maharashtra333040.4 %0.6 %1 %11.9 %
7Odisha256150.4 %0.6 %0.9 %10.5 %
8Madhya Pradesh248700.7 %1 %1.6 %10.9 %
9Rajasthan181440.9 %1 %1.7 %8.9 %
10Kerala141591.3 %1.8 %2 %10.6 %
11Jharkhand131180.5 %0.8 %1 %6.7 %
12Gujarat131070.7 %0.8 %1.5 %8.2 %
13Andhra Pradesh83460.2 %0.2 %0.2 %36.9 %
14Assam74100.5 %0.5 %0.5 %44.1 %
15Chhattisgarh73900.5 %0.8 %1 %10.6 %
16Haryana62360.8 %1.2 %1.6 %10.6 %
17Punjab56842.6 %5.2 %6 %15.8 %
18Telangana50150.1 %0.1 %0.2 %38.9 %
19Tripura23140.3 %0.6 %0.8 %9.2 %
20Uttarakhand20770.6 %0.8 %0.9 %8.5 %
21Puducherry8420.3 %0.4 %0.5 %8.4 %
22Delhi7950.8 %1.1 %1.3 %16.3 %
23Goa1950.1 %0.1 %0.2 %6.7 %
24Himachal Pradesh1820.5 %0.6 %0.7 %4.6 %
25Others1720.4 %0.2 %0.3 %9.6 %
26Sikkim1332.2 %2.7 %1.2 %10.7 %
27Meghalaya1290.4 %0.5 %0.4 %18.9 %
28Mizoram1211 %0.9 %0.9 %3.4 %
29Manipur1046 %2.7 %9.3 %48.8 %
30Jammu & Kashmir831 %1 %1.4 %1.3 %
31Arunachal Pradesh810.9 %1.3 %0.4 %3 %
32Nagaland550.4 %0.5 %0.2 %18.8 %
33Chandigarh540.9 %0.9 %1.6 %14.3 %
34Andaman & Nicobar200.5 %0.5 %0.5 %2.2 %
35Daman & Diu160.9 %0.7 %1.7 %11.6 %
36Dadra & Nagar Haveli90.2 %0.6 %1.1 %6.4 %
37Ladakh0.030 %0 %0 %4.3 %
Industry4427000.5 %0.7 %0.9 %9.6 %